Hampton Roads Life Settlements Privacy Policy
Privacy Policy
Effective Date: January 1, 2026
Hampton Roads Life Settlements (“we,” “us,” or “our”) is committed to protecting the privacy of your personal information. This Privacy Policy describes how we collect, use, disclose, and protect your information when you interact with us, including through our website (if applicable), phone calls, or other services.
1. Information We Collect
We collect information from various sources to evaluate and qualify life insurance policies for life settlements. This may include:
- Personal Identification Information: Name, address, Social Security number, tax identification number, email address, telephone number, and other identification numbers.
- Life Insurance and Annuity Information: Type of policy, policy terms, copy of the application, payment history, and policy illustrations.
- Health and Medical Information: Doctor and hospital records, prescription information, and life expectancy evaluations.
- Transactional Information: Terms of any life settlement contracts.
- Consumer Reporting Information: Information obtained from consumer reporting agencies.
- Information You Provide Directly: When you contact us via phone, email, or our website (e.g., through contact forms, chat features, or policy evaluation requests), you may provide personal information about yourself and details about any life insurance policy you submit, including the insured’s medical history, age, and gender.
If you provide us with someone else’s personal information, you represent that you have their authorization to do so.
2. How We Use Your Information
We use the information we collect for the following purposes:
- Evaluating and Qualifying Policies: To assess and qualify insured individuals and life insurance policies for life settlements and other products.
- Communication: To communicate with you, respond to your inquiries and requests, and provide you with relevant information.
- Quality and Training: For quality assurance, training our representatives, and maintaining security.
- Fraud Prevention: To detect, prevent, investigate, and report suspected or actual fraudulent or illegal activity, including insurance fraud.
- Market Research & Analysis: To conduct market research, analyze trends, and develop marketing information.
- Internal Operations: For managing our internal business operations.
- Complaint Resolution: To respond to and resolve complaints.
- Legal Compliance: To comply with applicable laws, regulations, legal processes, industry standards, and our company policies.
- Defending Legal Rights: To establish and defend our legal rights.
- Website Improvement (if applicable): To facilitate and personalize your user experience, monitor website usage, and improve our website’s functionality.
- Other Purposes: For any other purpose with your explicit consent.
3. Disclosure of Your Information
We may sell or disclose information about you to our affiliates and to non-affiliated brokers, providers, or other third parties in the course of evaluating and qualifying for a life settlement, life insurance policy, or other financial product or service.
4. Data Security
We implement a system of safeguards designed to protect against unauthorized access to your nonpublic personal information within our records. These include appropriate physical, electronic, and procedural practices. Access to your information is restricted to individuals and entities who need to know that information for the purposes outlined above. We educate our employees about the terms of this Privacy Policy and the importance of confidentiality and consumer privacy.
While we strive to protect your personal information, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure. Therefore, we cannot guarantee the absolute security of your information. Any transmission of personal information to us is at your own risk.
5. Cookies and Tracking Technologies (if applicable to website)
Like many websites, we may use cookies and other tracking technologies (such as web beacons and pixels) to optimize your digital experience. These technologies may collect information such as IP addresses, device identifiers, browser characteristics, operating system details, language preferences, referring URLs, time and length of visits, and pages viewed. This information helps us understand how visitors use our website and improve user experience.
You can typically adjust your browser settings to disable or reject cookies. However, this may affect the availability and functionality of our website.
6. Third-Party Privacy Practices
Our services may include links to other websites not owned or operated by Hampton Roads Life Settlements. This Privacy Policy does not apply to those websites, and we are not responsible for their content or privacy practices. We encourage you to review the privacy policies of any third-party websites you visit.
7. Children’s Privacy
Our services are not directed to individuals under the age of eighteen (18), and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information promptly.
8. Changes to This Privacy Policy
We reserve the right to modify or supplement this Privacy Policy at any time. We will indicate changes by updating the “Effective Date” at the beginning of the policy. Your continued use of our services after any update constitutes your acceptance of the changes.
9. Contact Us
If you have any questions about this Privacy Policy or our privacy practices, please contact us at:
757-236-1105 info@hamptonroadslifesettlements.com